Credit Cards (US)

American Express® Gold Card full review

The American Express® Gold Card is an amazing card full of incredible rewards! Read more to know about this card's dining and travel benefits!

by Victória Lourenço

08/09/2021 | Updated on 03/23/2023

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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American Express® Gold Card.

American Express® Gold Card full review. Source: The Mister Finance.
American Express® Gold Card full review. Source: The Mister Finance.

The American Express® Gold Card offers many great rewards for people who like having credit card dining and travel benefits. Despite a considerably high annual fee, this card has many perks. There is even the chance for the cardholders to choose between the Gold or Rose Gold version.

American Express® Gold Card

How to apply for American Express® Gold Card?

If you fit the profile and want to know how to get your American Express® Gold card, here are some important information to guide you!

Credit ScoreGood (690) to excellent (850)
Annual Fee$250
Rates & Fees
Regular APRPurchases APR: See Pay Over Time APR.
Cash Advance APR: 29.99% Variable.
Rates & Fees
Welcome bonus60,000 MR points after spending $4,000 on eligible purchases in the first 6 months
*Terms apply
Rewards
3 points per dollar spent on flights booked with the airline or Amex Travel;
4 MR points per dollar spent at restaurants;
4 points per dollar spent at supermarkets (U.S.) on $25,000 in purchases per year, then 1x;
1 point per dollar spent on all other eligible purchases;
Up to $120 Uber Cash on Amex Gold;
Up to $120 on dining credit, and more.
* Terms apply

We have gathered some important information about the American Express® Gold Card for you. Here, you can understand more about how this card works, its pros and cons to help you decide whether you want to have this very special card, and much more. So, keep reading to see our full review of this rewarding card!

How does the American Express® Gold Card work?

If the Amex Gold card is your first American Express card, you have a tremendous welcome bonus. As a cardholder, you will have a $250 annual fee. And due to this considerable fee, you must frequently purchase food-related items with this card to make up for it.

But if you already have good spending power for purchasing food and travel-related items, this card can work very well, and you can easily make up for its fees.

American Express® Gold Card benefits

What are the benefits to this card? Source: Adobe Stock.
What are the benefits to this card? Source: Adobe Stock.

Pros

The card has annual dining credits and amazing high rewards in many categories. If you are getting your first Amex card, you have a great welcome bonus of 60,000 MR points after spending $4,000 on eligible purchases in the first 6 months (Terms apply). You can also choose between Gold or Rose Gold.

Some other benefits are: up to $120 Uber Cash on Amex Gold; and up to $120 on dining credit; no foreign transaction fees; 3 points per dollar on flights booked with Amex Travel or airlines; and more (Terms apply).

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Cons

Even though this card has many great rewards, there are some cons: Amex is not as widely accepted internationally as other cards; no lounge membership; annual fee of $250; and high APR for pay over time feature.

Should you get American Express® Gold Card?

This card is a great option for those who love to spend good money on food. The card has incredible rewards at restaurants and supermarkets. However, if you are thinking about getting this card, you have to consider your lifestyle and spending power.

The card has a $250 annual fee, and you would have to spend considerable money on food per year to make up for it. It also has great Membership Rewards and flight rewards. But it might not be a card for people who don’t spend so much on these things.

Therefore, if you frequently spend a good amount of money on food and would like to get rewards and amazing perks, this is the card for you!

How good does your credit score need to be?

To get this card, your credit score has to be from good to excellent. So, your score needs to range from 690 to 850. If you already own another American Express card, this can make it easier to get approved for this card.

How to apply for the American Express® Gold Card?

Are you interested in getting this great rewarding card and enjoying all of its great benefits? We can help you with important information to guide you through the process. To know more about the application options, check our post on how to get this card!

American Express® Gold Card

How do you get the American Express® Gold Card?

If you fit the profile and want to know how to get your American Express Gold card, here is some important information to guide you!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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